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In an event of repairs or replacement after a car accident, you may be stuck paying approximately anywhere from a $500 to $1000 deductible. You must first pay the deductible, and insurance covers the rest.
The different types of auto insurance that require deductibles include collision, comprehensive, underinsured motorist property damage, personal injury, but when it comes to liability insurance you are not required to pay a deductible.
What does this mean? This means that with liability insurance the damages to your vehicle are not covered. So, guess who has to pay the repairs? You! OH NO!!!
To make matters a bit more complex your insurance is also raised once you have been in an accident, especially if you were found to be the party at fault.
Many times, depending on the state that you live in, insurance company you have, or how many auto accidents you have been involved in; even if you weren’t at fault your insurance rate may still go up!
Wow! So, you have possible injuries, pain and suffering, medical costs, which may or may not be covered in entirety, possible litigation, possible time off from work, which means your income will take a dive; and the losses keep stacking up against you. Now you are facing higher monthly and yearly insurance premiums. OH! Let’s not forget that handy deductible!
Now you may be asking yourself, “So… deductibles are a good thing, right?” The answer is yes; however, you may not always have that extra cash laying around in an event of an accident to pay off that deductible. Many of us fall on hard financial times and can’t afford the deductibles.
For as little as $5 a month, NO DUK will eliminate this extra headache and eliminate your deductible altogether!!! This is a no brainer! Why would you pass up this opportunity?
Say no to deductibles! Say NO DUK!
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